Tennessee law requires every driver to carry minimum liability insurance of 25/50/15 (bodily injury per person / per accident / property damage). The average cost for minimum coverage in Tennessee is $45/month. But is the minimum enough? Here's what you need to know.
(888) 217-6781This means Tennessee will pay up to $25,000 for one person's injuries, $50,000 total for all injuries in an accident, and $15,000 for property damage you cause. You pay anything beyond those limits out of pocket.
| Coverage Level | Annual Cost | Monthly Cost | What's Covered |
|---|---|---|---|
| Minimum Liability (25/50/15) | $540 | $45/mo | Other people's injuries & property only |
| Full Coverage (100/300/50) | $2,020 | $168/mo | Everything — including your own vehicle |
Full coverage adds comprehensive (theft, weather, animals) and collision (accidents) to protect your own vehicle. If you have a car loan or lease, your lender requires full coverage.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $768 | $128/mo |
| Tennessee Farmers | $834 | $139/mo |
| Progressive | $864 | $144/mo |
| State Farm | $942 | $157/mo |
| Allstate | $1,152 | $192/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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